According to the survey, the opening bank of the Taizheng Group is the Universe Bank, and the Taizheng Group also has the most loans in the Universe Bank.

As the so-called snake fights seven inches, as long as the loan of the universe line is cut off, the matter is half successful.

Xiao Yao asked Zhu Xifan to call Lu Zixuan of the Universe Travel, and made an appointment to meet in the café on the morning of the second day.

Lu Zixuan arrived a few minutes in advance, and when Xiao Yao arrived, Lu Zixuan was already waiting at the door.

Seeing Xiao Yao get out of the car, Lu Zixuan took the initiative to greet him and greeted him in a respectful tone: "Hello Xiao Dong, I am Lu Zixuan, I have long been looking forward to you coming to our branch to inspect the work, and it is my honor to meet you in Jinling." ”

Lu Zixuan is the president of the Universe Branch, although he met Xiao Yao for the first time today, he still knows something about Xiao Yao.

As a bigwig in the financial industry, Xiao Yao's other industries and other identities have nothing to do with him, but Xiao Yao is also one of the directors of Cosmos, and he is also a director who occupies 7% of the shares, so he has to pay attention to such an identity.

Xiao Yao has never attended the board of directors of the Universe Walk, and it is voted by others, even for people at the level of Lu Zixuan, his identity seems very mysterious.

In the public information, the 7% stake is in the name of Swire Investment, and Lu Zixuan did not know that the chairman of Swire Investment was Xiao Yao.

But when Zhu Xifan called him to meet him yesterday, he specifically named Xiao Yao as the chairman of Swire Investments and also the director of their Universe Bank.

When he first heard the news yesterday, he was a little apprehensive.

As the director of the universe, although Xiao Yao can't decide whether he will stay or not, he has a great right to speak, there is no doubt about it.

If Xiao Yao has any opinions about him, once he puts it forward on the board of directors, even if he can't be removed immediately, at least it will be enough for him to drink a pot.

This rather mysterious director suddenly made an appointment with him, and he was still in a café, not to inspect him, which made him a little confused for a while, and he didn't know what Xiao Yao's purpose was in meeting him.

After a brief greeting, the two walked into the café.

Xiao Yao had already asked Zhu Xifan to book a box in the café in advance, and after the two sat down in the box and ordered their own coffee, Xiao Yao asked directly: "I want to know how much the Dazheng Group's loans in the universe are in total, and when will they expire?"

Dazheng Group has always been one of the important customers of Weixing, the two sides have cooperated for many years, and the relationship has been maintained well, Lu Zixuan did not know Xiao Yao's intentions, so he could only answer truthfully: "Dazheng Group has a total of 64.5 billion yuan in our loans, of which 3 billion yuan are due before the end of this month, and there are 5 billion yuan due within two months, and about 10 billion yuan due within half a year." Other loans are due in two years at most, and for each one, I need to check the information after I go back before I can report it to you. ”

"In addition to the universe line, do you know which banks the Taizheng Group has loans from?" Xiao Yao continued to ask.

"As far as I know, Taizheng Group has about 20 billion yuan of loans from Huahui Bank and about 15 billion yuan from CCB. In the past two years, Taizheng Group has been committed to foreign development, and has invested heavily in mining, and it seems that there are some loans from foreign banks, but I don't know the exact amount. ”

Dazheng Group is a private enterprise with the highest market value in the province, and it is also one of the most important customers in the province.

In this way, the debt ratio of Taisho Group is about 50%, and the financial situation is quite healthy. ”

"Yes, the development of Taizheng Group has been steady and rising in recent years, especially after Dazheng Group entered overseas in the first two years, and now it has the initial strength of a multinational enterprise. ”

Xiao Yao never revealed his intentions, and Lu Zixuan could only follow his tone. But before knowing Xiao Yao's true intentions, he had always been more cautious in his speech, just talking about things, and he deliberately avoided those words with obvious tendencies.

Excluding the overseas part, the market value of Taizheng Group's domestic assets is about 200 billion yuan, and if the loan amount mentioned by Lu Zixuan is accurate, the loan amount of about 100 billion yuan is exactly half of the market value.

Moreover, the loans of the Volkswagen Group are mainly concentrated in the Universe Bank and Huahui Bank, which are precisely the two major banks that Xiao Yao can influence, which greatly facilitates Xiao Yao's next operation.

After understanding these basic situations, Xiao Yao continued: "It seems that you are still more concerned about the development of the Taizheng Group, but what you see is only the appearance of the Taizheng Group, you may not know that the Taizheng Group has encountered great trouble in operation, and the bankruptcy crisis is imminent, and the longest time will not exceed half a year." If the Taisho Group does not respond properly, it may declare bankruptcy within two or three months. ”

Listening to Xiao Yao's words, Lu Zixuan was taken aback.

As Xiao Yao, he will definitely not say something unfounded. Since Xiao Yao is so sure that the Taizheng Group will soon go bankrupt, it means that the Dazheng Group must have encountered a huge business crisis.

What are the banks most afraid of? Of course, what they are most afraid of is that they will not be able to recover the loans they have lent.

If the Taizheng Group has been operating smoothly, Lu Zixuan even hopes that the Taizheng Group will increase the loan amount. But if the operation of the Taizheng Group encounters a crisis, then the first thing Lu Zixuan has to do is to find a way to recover the loan as soon as possible.

If the loan of more than 60 billion yuan cannot be recovered, even if even a part of it cannot be recovered, he, the governor of the bank, will not even think about being the president.

Lu Zixuan asked with a solemn expression: "Xiao Dong, I don't know if you have any inside information, can you tell us in detail?"

"Let me first tell you the news that Hong Kong Island Fenghui Bank has added Taizheng Group to the cooperation blacklist and is looking for ways to step up the collection of Dazheng Group's 1.3 billion loans in Fenghui Bank. ”

Dazheng Group was actually included in the cooperation blacklist by Fenghui Bank, it seems that the problem is not ordinarily serious, Lu Zixuan said: "Could it be that there is something wrong with the overseas development of Dazheng Group?"

It's normal for him to have such thoughts. With the background of Fenghui Bank, it is certainly easier for them to get some international inside information than they are in the universe.

Taizheng Group's operation in China has always been very stable, and there will never be a sudden crisis of bankruptcy, which he is very sure of. If there is a risk, it must come from the investment of the Taisho Group overseas.

Xiao Yao nodded, "You guessed right, it is indeed the mining company invested by the Taizheng Group overseas that has a problem, and it is a very serious problem." ”